mm wealth ltd
mm wealth ltd Company Information
Company Number
01454074
Next Accounts
Oct 2025
Shareholders
mm wealth group holdings ltd
Group Structure
View All
Industry
Other business support service activities n.e.c.
Registered Address
wellbrook court girton, cambridge, CB3 0NA
Website
www.mmwm.co.ukmm wealth ltd Estimated Valuation
Pomanda estimates the enterprise value of MM WEALTH LTD at £6.3m based on a Turnover of £6.1m and 1.05x industry multiple (adjusted for size and gross margin).
mm wealth ltd Estimated Valuation
Pomanda estimates the enterprise value of MM WEALTH LTD at £19m based on an EBITDA of £2.5m and a 7.67x industry multiple (adjusted for size and gross margin).
mm wealth ltd Estimated Valuation
Pomanda estimates the enterprise value of MM WEALTH LTD at £4.5m based on Net Assets of £2.1m and 2.13x industry multiple (adjusted for liquidity).
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Mm Wealth Ltd Overview
Mm Wealth Ltd is a live company located in cambridge, CB3 0NA with a Companies House number of 01454074. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in October 1979, it's largest shareholder is mm wealth group holdings ltd with a 100% stake. Mm Wealth Ltd is a mature, mid sized company, Pomanda has estimated its turnover at £6.1m with low growth in recent years.
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Mm Wealth Ltd Health Check
Pomanda's financial health check has awarded Mm Wealth Ltd a 5 rating. We use a traffic light system to show it exceeds the industry average on 8 measures and has 2 areas for improvement. Company Health Check FAQs
8 Strong
1 Regular
2 Weak
Size
annual sales of £6.1m, make it larger than the average company (£4m)
£6.1m - Mm Wealth Ltd
£4m - Industry AVG
Growth
3 year (CAGR) sales growth of 3%, show it is growing at a slower rate (8%)
3% - Mm Wealth Ltd
8% - Industry AVG
Production
with a gross margin of 90.2%, this company has a lower cost of product (38.2%)
90.2% - Mm Wealth Ltd
38.2% - Industry AVG
Profitability
an operating margin of 39.4% make it more profitable than the average company (5.6%)
39.4% - Mm Wealth Ltd
5.6% - Industry AVG
Employees
with 23 employees, this is similar to the industry average (24)
23 - Mm Wealth Ltd
24 - Industry AVG
Pay Structure
on an average salary of £90.8k, the company has a higher pay structure (£49.6k)
£90.8k - Mm Wealth Ltd
£49.6k - Industry AVG
Efficiency
resulting in sales per employee of £263.1k, this is more efficient (£153.8k)
£263.1k - Mm Wealth Ltd
£153.8k - Industry AVG
Debtor Days
it gets paid by customers after 2 days, this is earlier than average (39 days)
2 days - Mm Wealth Ltd
39 days - Industry AVG
Creditor Days
its suppliers are paid after 76 days, this is slower than average (33 days)
76 days - Mm Wealth Ltd
33 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Mm Wealth Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 75 weeks, this is more cash available to meet short term requirements (24 weeks)
75 weeks - Mm Wealth Ltd
24 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 34.6%, this is a lower level of debt than the average (60.4%)
34.6% - Mm Wealth Ltd
60.4% - Industry AVG
MM WEALTH LTD financials
Mm Wealth Ltd's latest turnover from January 2024 is £6.1 million and the company has net assets of £2.1 million. According to their latest financial statements, Mm Wealth Ltd has 23 employees and maintains cash reserves of £1.5 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | Jan 2016 | Jan 2015 | Jan 2014 | Jan 2013 | Jan 2012 | Jan 2011 | Jan 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 6,051,184 | 6,335,345 | 6,506,468 | 5,592,174 | 5,490,977 | 5,137,405 | 4,511,180 | 3,699,184 | 3,034,623 | 2,707,973 | 2,506,024 | 2,023,574 | 1,705,281 | 1,526,810 | 1,519,688 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 590,340 | 601,988 | 703,033 | 616,472 | 623,041 | 611,986 | 448,335 | 257,057 | 202,223 | 54,037 | 9,510 | 119,137 | 13,215 | 50,199 | 118,959 |
| Gross Profit | 5,460,844 | 5,733,357 | 5,803,435 | 4,975,702 | 4,867,936 | 4,525,419 | 4,062,845 | 3,442,127 | 2,832,400 | 2,653,936 | 2,496,514 | 1,904,437 | 1,692,066 | 1,476,611 | 1,400,729 |
| Admin Expenses | 3,075,619 | 3,254,998 | 2,843,253 | 2,535,231 | 2,846,908 | 2,686,896 | 1,793,911 | 1,641,436 | 1,824,618 | 1,870,451 | 1,977,088 | 1,440,647 | 1,090,671 | 884,630 | 760,014 |
| Operating Profit | 2,385,225 | 2,478,359 | 2,960,182 | 2,440,471 | 2,021,028 | 1,838,523 | 2,268,934 | 1,800,691 | 1,007,782 | 783,485 | 519,426 | 463,790 | 601,395 | 591,981 | 640,715 |
| Interest Payable | 4,961 | 6,007 | 2,224 | 14,479 | 31,996 | 10,835 | 79 | 1,375 | 5,870 | 10,177 | 3,444 | ||||
| Interest Receivable | 50,666 | 3,244 | 180 | 2,328 | 3,109 | 2,453 | 5,804 | 6,392 | 6,691 | 4,136 | 1,912 | 2,134 | 2,666 | 611 | |
| Pre-Tax Profit | 2,430,930 | 2,475,596 | 2,958,138 | 2,442,799 | 2,009,658 | 1,808,980 | 2,259,412 | 1,806,495 | 1,014,174 | 790,176 | 523,483 | 464,327 | 597,659 | 584,470 | 637,882 |
| Tax | -572,100 | -470,476 | -564,898 | -463,296 | -391,916 | -353,876 | -437,014 | -366,127 | -211,722 | -175,998 | -142,820 | -112,384 | -168,158 | -173,065 | -189,884 |
| Profit After Tax | 1,858,830 | 2,005,120 | 2,393,240 | 1,979,503 | 1,617,742 | 1,455,104 | 1,822,398 | 1,440,368 | 802,452 | 614,178 | 380,663 | 351,943 | 429,501 | 411,405 | 447,998 |
| Dividends Paid | 4,748,651 | 510,403 | 1,482,491 | 1,551,693 | 1,197,728 | 1,623,152 | 1,250,489 | 859,655 | 1,237,350 | 462,286 | 132,563 | 294,213 | 352,100 | 191,000 | 223,543 |
| Retained Profit | -2,889,821 | 1,494,717 | 910,749 | 427,810 | 420,014 | -168,048 | 571,909 | 580,713 | -434,898 | 151,892 | 248,100 | 57,730 | 77,401 | 220,405 | 224,455 |
| Employee Costs | 2,087,822 | 2,146,733 | 1,778,922 | 1,558,366 | 1,385,857 | 1,338,739 | 881,020 | 778,296 | 1,035,726 | 966,792 | 1,115,818 | 586,696 | 466,391 | 371,032 | 318,207 |
| Number Of Employees | 23 | 26 | 25 | 27 | 25 | 21 | 21 | 17 | 16 | 15 | 17 | 16 | 13 | 15 | 17 |
| EBITDA* | 2,474,297 | 2,560,153 | 3,052,334 | 2,524,194 | 2,102,300 | 1,948,860 | 2,345,934 | 1,891,398 | 1,105,761 | 869,464 | 662,261 | 608,860 | 715,837 | 706,781 | 760,474 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | Jan 2016 | Jan 2015 | Jan 2014 | Jan 2013 | Jan 2012 | Jan 2011 | Jan 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 163,360 | 190,570 | 250,666 | 199,849 | 248,970 | 284,681 | 69,017 | 85,146 | 108,753 | 71,931 | 61,130 | 82,564 | 50,688 | 53,876 | 46,911 |
| Intangible Assets | 17,528 | 35,059 | 52,589 | 84,896 | 146,051 | 207,206 | 268,361 | 329,517 | 444,472 | 384,123 | 481,548 | 578,973 | |||
| Investments & Other | 334 | ||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 163,360 | 190,570 | 250,666 | 217,377 | 284,029 | 337,270 | 153,913 | 231,197 | 315,959 | 340,292 | 390,647 | 527,036 | 434,811 | 535,424 | 626,218 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 42,837 | 5,034 | 6,230 | 8,442 | 11,046 | 30,499 | 14,304 | 20,305 | 6,142 | 61,887 | 17,038 | 24,542 | 13,841 | 14,199 | 26,225 |
| Group Debtors | 957,886 | 58,386 | 500 | 500 | 500 | 24,477 | 24,477 | 16,487 | 12,642 | 12,642 | |||||
| Misc Debtors | 584,737 | 690,162 | 507,153 | 572,984 | 473,459 | 443,245 | 578,340 | 300,193 | 110,512 | 84,165 | 115,548 | 253,713 | 229,845 | 159,760 | 177,782 |
| Cash | 1,498,662 | 5,224,903 | 3,831,340 | 2,659,016 | 2,195,958 | 1,652,229 | 1,957,095 | 1,518,179 | 1,491,597 | 1,252,238 | 1,029,071 | 481,434 | 369,926 | 490,207 | 297,069 |
| misc current assets | |||||||||||||||
| total current assets | 3,084,122 | 5,978,485 | 4,345,223 | 3,240,942 | 2,680,963 | 2,125,973 | 2,574,216 | 1,863,154 | 1,608,251 | 1,398,290 | 1,178,144 | 772,331 | 626,254 | 664,166 | 501,076 |
| total assets | 3,247,482 | 6,169,055 | 4,595,889 | 3,458,319 | 2,964,992 | 2,463,243 | 2,728,129 | 2,094,351 | 1,924,210 | 1,738,582 | 1,568,791 | 1,299,367 | 1,061,065 | 1,199,590 | 1,127,294 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 123,199 | 128,969 | 83,803 | 90,164 | 115,960 | 116,289 | 317,622 | 90,719 | 62,667 | 37,976 | 51,690 | 33,151 | 19,888 | 37,582 | 15,234 |
| Group/Directors Accounts | 82,150 | 17,050 | 9,300 | 584,563 | 101,282 | 9,867 | 10,003 | 9,519 | 1,778 | ||||||
| other short term finances | 3,055 | 55,424 | |||||||||||||
| hp & lease commitments | 73,595 | 23,136 | 23,135 | 33,921 | 40,525 | 40,525 | 6,342 | 7,579 | 8,356 | ||||||
| other current liabilities | 829,067 | 750,185 | 763,825 | 659,150 | 567,889 | 522,459 | 426,658 | 547,784 | 357,212 | 361,037 | 416,386 | 314,213 | 203,267 | 253,220 | 364,370 |
| total current liabilities | 1,025,861 | 984,440 | 887,813 | 758,614 | 683,849 | 638,748 | 778,201 | 679,028 | 1,044,967 | 506,637 | 485,522 | 368,778 | 288,098 | 290,802 | 381,382 |
| loans | 212,700 | 233,000 | |||||||||||||
| hp & lease commitments | 68,634 | 85,763 | 33,921 | 74,446 | 6,822 | 14,225 | |||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | 40,000 | ||||||||||||||
| provisions | 98,090 | 102,629 | 103,678 | 91,819 | 202,134 | 128,866 | 10,848 | 14,231 | 18,339 | 10,589 | 6,983 | 95,000 | 9,333 | 9,855 | 7,084 |
| total long term liabilities | 98,090 | 171,263 | 189,441 | 91,819 | 101,067 | 64,433 | 10,848 | 48,152 | 92,785 | 10,589 | 13,805 | 109,225 | 9,333 | 222,555 | 280,084 |
| total liabilities | 1,123,951 | 1,155,703 | 1,077,254 | 850,433 | 784,916 | 703,181 | 789,049 | 727,180 | 1,137,752 | 517,226 | 499,327 | 478,003 | 297,431 | 513,357 | 661,466 |
| net assets | 2,123,531 | 5,013,352 | 3,518,635 | 2,607,886 | 2,180,076 | 1,760,062 | 1,939,080 | 1,367,171 | 786,458 | 1,221,356 | 1,069,464 | 821,364 | 763,634 | 686,233 | 465,828 |
| total shareholders funds | 2,123,531 | 5,013,352 | 3,518,635 | 2,607,886 | 2,180,076 | 1,760,062 | 1,939,080 | 1,367,171 | 786,458 | 1,221,356 | 1,069,464 | 821,364 | 763,634 | 686,233 | 465,828 |
| Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | Jan 2016 | Jan 2015 | Jan 2014 | Jan 2013 | Jan 2012 | Jan 2011 | Jan 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 2,385,225 | 2,478,359 | 2,960,182 | 2,440,471 | 2,021,028 | 1,838,523 | 2,268,934 | 1,800,691 | 1,007,782 | 783,485 | 519,426 | 463,790 | 601,395 | 591,981 | 640,715 |
| Depreciation | 89,072 | 81,794 | 74,624 | 66,192 | 63,742 | 78,030 | 15,845 | 29,552 | 36,824 | 24,823 | 27,880 | 30,115 | 17,017 | 17,375 | 22,334 |
| Amortisation | 17,528 | 17,531 | 17,530 | 32,307 | 61,155 | 61,155 | 61,155 | 61,156 | 114,955 | 114,955 | 97,425 | 97,425 | 97,425 | ||
| Tax | -572,100 | -470,476 | -564,898 | -463,296 | -391,916 | -353,876 | -437,014 | -366,127 | -211,722 | -175,998 | -142,820 | -112,384 | -168,158 | -173,065 | -189,884 |
| Stock | |||||||||||||||
| Debtors | 831,878 | 239,699 | -68,043 | 96,921 | 11,261 | -143,377 | 272,146 | 228,321 | -29,398 | -3,021 | -141,824 | 34,569 | 82,369 | -30,048 | 204,007 |
| Creditors | -5,770 | 45,166 | -6,361 | -25,796 | -329 | -201,333 | 226,903 | 28,052 | 24,691 | -13,714 | 18,539 | 13,263 | -17,694 | 22,348 | 15,234 |
| Accruals and Deferred Income | 78,882 | -13,640 | 104,675 | 91,261 | 45,430 | 95,801 | -121,126 | 190,572 | -3,825 | -55,349 | 102,173 | 110,946 | -49,953 | -111,150 | 364,370 |
| Deferred Taxes & Provisions | -4,539 | -1,049 | 11,859 | -110,315 | 73,268 | 118,018 | -3,383 | -4,108 | 7,750 | 3,606 | -88,017 | 85,667 | -522 | 2,771 | 7,084 |
| Cash flow from operations | 1,138,892 | 1,880,455 | 2,665,652 | 1,919,127 | 1,817,492 | 1,750,847 | 1,739,168 | 1,511,466 | 952,053 | 631,030 | 693,960 | 671,783 | 397,141 | 477,733 | 753,271 |
| Investing Activities | |||||||||||||||
| capital expenditure | 444 | -6,446 | -237,294 | -13,828 | -25,025 | -11,246 | |||||||||
| Change in Investments | -334 | 334 | |||||||||||||
| cash flow from investments | 444 | -6,446 | -237,294 | -13,828 | -24,691 | -11,580 | |||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -82,150 | 65,100 | 7,750 | 9,300 | -584,563 | 483,281 | 91,415 | -136 | 484 | 9,519 | -1,778 | 1,778 | |||
| Other Short Term Loans | -3,055 | -52,369 | 55,424 | ||||||||||||
| Long term loans | -212,700 | -20,300 | 233,000 | ||||||||||||
| Hire Purchase and Lease Commitments | -18,175 | -17,128 | 108,898 | -33,921 | -40,525 | -40,525 | 108,629 | -8,059 | -8,180 | 22,581 | |||||
| other long term liabilities | -40,000 | 40,000 | |||||||||||||
| share issue | |||||||||||||||
| interest | 45,705 | -2,763 | -2,044 | 2,328 | -11,370 | -29,543 | -10,835 | 5,804 | 6,392 | 6,691 | 4,057 | 537 | -3,736 | -7,511 | -2,833 |
| cash flow from financing | -54,620 | 45,209 | 114,604 | 11,628 | -11,370 | -74,434 | -51,360 | -619,284 | 598,302 | 90,047 | -7,314 | -28,767 | -151,493 | -69,589 | 513,318 |
| cash and cash equivalents | |||||||||||||||
| cash | -3,726,241 | 1,393,563 | 1,172,324 | 463,058 | 543,729 | -304,866 | 438,916 | 26,582 | 239,359 | 223,167 | 547,637 | 111,508 | -120,281 | 193,138 | 297,069 |
| overdraft | |||||||||||||||
| change in cash | -3,726,241 | 1,393,563 | 1,172,324 | 463,058 | 543,729 | -304,866 | 438,916 | 26,582 | 239,359 | 223,167 | 547,637 | 111,508 | -120,281 | 193,138 | 297,069 |
mm wealth ltd Credit Report and Business Information
Mm Wealth Ltd Competitor Analysis
Perform a competitor analysis for mm wealth ltd by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other mid companies, companies in CB3 area or any other competitors across 12 key performance metrics.
mm wealth ltd Ownership
MM WEALTH LTD group structure
Mm Wealth Ltd has no subsidiary companies.
mm wealth ltd directors
Mm Wealth Ltd currently has 6 directors. The longest serving directors include Mr David Jones (Dec 2003) and Mr Adrian Atkinson (Mar 2008).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr David Jones | 71 years | Dec 2003 | - | Director | |
| Mr Adrian Atkinson | United Kingdom | 56 years | Mar 2008 | - | Director |
| Mr Rajwinder Basra | England | 48 years | Oct 2012 | - | Director |
| Mr Marc Fuller | United Kingdom | 41 years | Feb 2018 | - | Director |
| Mrs Christina Heslop | England | 42 years | Jan 2023 | - | Director |
| Mr Ian Palfreyman | England | 57 years | Jan 2023 | - | Director |
P&L
January 2024turnover
6.1m
-4%
operating profit
2.4m
-4%
gross margin
90.3%
-0.28%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
January 2024net assets
2.1m
-0.58%
total assets
3.2m
-0.47%
cash
1.5m
-0.71%
net assets
Total assets minus all liabilities
mm wealth ltd company details
company number
01454074
Type
Private limited with Share Capital
industry
82990 - Other business support service activities n.e.c.
incorporation date
October 1979
age
46
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
January 2024
previous names
money matters wealth management limited (October 2016)
money matters (cambridge) limited (January 2011)
See moreaccountant
-
auditor
PRICE BAILEY LLP
address
wellbrook court girton, cambridge, CB3 0NA
Bank
LLOYDS TSB BANK PLC
Legal Advisor
-
mm wealth ltd Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We found 2 charges/mortgages relating to mm wealth ltd. Currently there are 0 open charges and 2 have been satisfied in the past.
mm wealth ltd Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
Click to start generating capital raising & share issue transactions for MM WEALTH LTD. This can take several minutes, an email will notify you when this has completed.
mm wealth ltd Companies House Filings - See Documents
| date | description | view/download |
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